Purpose-Built
AI Liability Insurance

Affirmative AI liability coverage for companies that build and deploy AI, from predictive models to generative AI and agents. Armilla is a Lloyd's Coverholder and MGA.

Brokers: get appointed

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Why affirmative cover

Your current policies were written before AI.

The traditional insurance policies most companies carry were written before generative AI. They are silent on AI failure modes, and some insurers have started adding AI exclusions. Armilla names those failure modes in a standalone policy, so you can deploy AI with coverage in writing.

What the policy covers

AI Model Error: Third-party financial loss from AI errors, inaccurate outputs and hallucinations.

AI Model Output: Claims arising from AI outputs, including defamation, breach of confidentiality and trade secret disclosure.

AI Agent Mistakes: Claims arising from agent actions, including incorrect decisions and failures to escalate.

Non-Breach Privacy & Data Leakage: Claims and regulatory investigations arising from unintended disclosures through model outputs.

AI Property Damage: Damage to third-party property caused by an underperforming AI system.

AI Regulatory Violations: Defense costs and fines for investigations into AI underperformance, including under the Colorado AI Act and EU AI Act.

Limits up to US$25 million aggregate per insured, and up to US$5 million per model.

Affirmative AI Liability Insurance is underwritten by certain underwriters at Lloyd's.

Carriers

Armilla is backed by Chaucer, AXIS Capital, and Convex and distributes through licensed brokers in the US, and Canada.

Built for companies building and deploying AI

AI developers and vendors: You sell AI products and services. Your customers want guarantees, and proof your AI risk is insured before they sign.

AI deployers: You use AI in your products or operations, built in-house or bought. Your board and regulators want to know who pays when AI fails.

Sectors: Financial services, insurance, HR and hiring, telecommunications, retail and e-commerce, professional services, and software.

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Brokers, bring AI liability coverage to your clients

Specialist underwriting: Our underwriters price AI risk from a technical review of each system, plus data from the Armilla AI Risk Hub.

A cover clients need: Enterprise buyers now ask AI vendors for proof of insurance. You place the cover they ask for.

Broker support: A dedicated contact, training and co-marketing.

Brokers: get appointed

How the policy responds

Illustrative scenarios

Customer service chatbot

A retailer's chatbot starts quoting a refund policy the retailer doesn't offer. Customers bring a class action for the promised refunds. The policy covers the settlement and agreed defense costs, above the deductible and within the limit.

Three layered translucent shield shapes with a blue geometric hexagon icon and the word GUARANTEED beneath it at the center.

Credit decisioning model

A lender's loan model misclassifies applicants after a shift in its input data. A partner bank claims losses from the approvals. The policy responds to the third-party claim.

Procurement agent

A procurement firm's AI agent, scheduled with an order-accuracy Model Metric, falls below it and places client orders with the wrong suppliers. Clients claim their extra costs, and the policy responds to those claims.

Scenarios are illustrative. Coverage depends on the issued policy wording.

Featured in

Testimonials

Patricia Thaine

Private AI

CEO

"Armilla AI’s warranty on the performance and accuracy of our AI-powered de-identification solution has been a powerful asset in sales cycles, helping accelerate discussions with large enterprises."

Dr. Hayley Maynard

Chaucer

Head of Innovation

“At Chaucer, we’re delighted to partner with Armilla to bring this new innovative product to the market, helping to close an ever-increasing AI protection gap.”

Jesslyn Dymond

TELUS

Director of Data Ethics

"Engaging Armilla AI to evaluate our generative AI support tool improved our confidence in the quality and safety of the service we provide to our customers. Trust is our priority and Armilla AI’s efforts help us ensure that our leading responsible AI frameworks are effective, comply with global standards and are ethically sound."

Placing AI risk for a client?

Talk to our underwriting team about appetite, limits and submissions. Building or deploying AI yourself? Ask your broker to contact us or ask us to connect you with an appointed broker.

Brokers: get appointed

Get AI coverage

Disclaimer: The insurance products described on this website are offered through surplus lines insurers. Surplus lines insurance is not subject to all the insurance laws and regulations of your state, and such insurers are generally not licensed by or subject to the supervision of the insurance department of your state. Coverage may not be available in all jurisdictions and is offered only through properly licensed surplus lines brokers.

Nothing on this website constitutes an offer to sell or a solicitation to buy insurance. No coverage will be bound or effective unless and until confirmed in writing by an authorized representative and all underwriting requirements have been satisfied. Any descriptions of coverage are for general informational purposes only and do not amend, modify, or supplement any actual policy or contract of insurance.

Please consult with a licensed surplus lines broker to determine availability and eligibility in your state.

‍Armilla Insurance Services is a Coverholder at Lloyd's. Affirmative AI Liability Insurance is underwritten by certain underwriters at Lloyd's. Not all activities are related to Lloyd's.

Purpose-BuiltAI Liability Insurance

Your current policies were written before AI.

Carriers

Built for companies building and deploying AI

Brokers, bring AI liability coverage to your clients

How the policy responds

Illustrative scenarios

Customer service chatbot

Credit decisioning model

Procurement agent

Testimonials

Placing AI risk for a client?

Purpose-Built
AI Liability Insurance